Selecting a auto insurance company in Huron, South Dakota can be time consuming since choosing the right Huron car insurance agent is not as easy as just using the same insurance agency as your neighbor. It’s assumed you’re not only searching for a great agent that can assess your needs, but you also want to find affordable coverage.
With companies like Allstate, Farmers and State Farm as well as independent agents all competing for your business, it can be hard to know which auto insurance agent will provide the best service and rates. To begin, it’s easy to use online price quotes to assemble a group of agents from which to choose.
Quote online, buy local
Licensed agents are trained to spot inefficiencies and give you peace of mind. One of the best bonuses of getting online price quotes is you may find the lowest rates but also keep your business local. Buying from small agencies is important particularly in Huron.
To find an agent, once you fill out this quick form, the quote information is immediately sent to participating agents in Huron who will battle to get your business. There is no reason to leave your computer since price quotes are sent straight to your inbox. Now that’s easy!
Huron insurance agencies are either independent or captive
If you’re trying to find a local agent, there are a couple of types of agencies that you can select. Agents are either independent or captive. Either one can properly insure your vehicles, but it’s important to know how they differ since it may influence buying decisions.
Independent Insurance Agents
Independent agents do not work for one specific company but instead can place your coverage amongst many companies depending on which coverage is best. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency. When comparing rates, you should always contact multiple independent agents to have the most options to choose from.
Shown below is a list of independent insurance agencies in Huron that may be able to provide rate quotes.
Farm Bureau Insurance – 2225 Dakota Ave S – Huron, SD 57350 – (605) 352-1318
Flanagan Agency – 375 Dakota Ave S # 101 – Huron, SD 57350 – (605) 352-3512
Craig Gross Agency – 908 Dakota Ave S – Huron, SD 57350 – (605) 352-4943
Mc Kay’s Insurance Inc – 20177 SD Highway 37 – Huron, SD 57350 – (605) 352-5871
Rogers Agency Inc – 1288 Dakota Ave S # 2 – Huron, SD 57350 – (605) 352-8670
These agents are contracted to one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. They are unable to place coverage with different providers so they have no alternatives for high prices. These agents are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.
Below is a short list of captive agencies in Huron who can help you get rate quotes.
South Dakota Farm Bureau – 2225 Dakota Ave S – Huron, SD 57350 – (605) 353-8050
Farmers Insurance Group – 1510 Dakota Ave S – Huron, SD 57350 – (605) 352-7864
To view a full list of Huron captive insurance agents, click here to link.
Deciding on an insurance agency shouldn’t rely on just the price. These are valid questions to ask:
- If your car is in the repair shop, do you have coverage for a rental car?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- If they are an independent agency, which companies do they recommend?
- Are they able to influence company decisions when a claim is filed?
- Who are their largest clients?
- If your car is totalled, how to they determine the replacement cost?
- Do they review policy coverages at every renewal?
- How long have they worked with personal auto insurance coverage?
After receiving reasonable responses to your questions and an acceptable price quote, you have narrowed it down to an auto insurance agent that meets your needs to provide auto insurance coverage.
Isn’t it cheaper to buy direct from companies like Geico and Progressive?
Auto insurance agents can be invaluable at times, but you also have the option of buying direct online. A few companies, such as Farmers Insurance and State Farm, who have local agents in Huron additionally provide the ability to get a quote and buy online, and consumers should do that.
If you’re uncomfortable with not having someone to ask questions, that is normal but is not a big issue. Online car insurance companies that allow you to purchase coverage all have client service departments for customer questions. You may also access online education and live help anytime so you can feel comfortable buying online.
Does coverage cost less online? That is a tough question to answer because there are a lot of things that determine the price you pay. Some people think that buying directly from the company saves the cost of an agent commission. But in most cases, online and traditional media advertising are expensive and those expenses can offset most of the savings by selling direct.
If the best price is important to you, the most effective way to determine whether prices are lower online or from agents is making fair comparisons of each of their rates. It’s fairly common that you receive different coverage costs for the exact same company when they compare quotes from both. But you won’t know if the company’s rates are lower online or from an agent unless you compare quotes for identical coverages using both methods.
Additional information is located on the website for the South Dakota Division of Insurance. Click here for link. South Dakota drivers can read state legal mandates and laws, file complaints about a company, report car insurance fraud, and get help finding coverage.
More comparisons equals lower rates
Consumers change insurance companies for any number of reasons including questionable increases in premium, denial of a claim, not issuing a premium refund and even poor customer service. No matter why you want to switch, finding a great new company is not as hard as you think.
As you shop your coverage around, never buy less coverage just to save a little money. There are many occasions where an accident victim reduced full coverage and learned later that the savings was not a smart move. Your goal should be to buy enough coverage for the lowest price while not skimping on critical coverages.